WHEN TO CLAIM
In the unfortunate event that you are unable to work due to illness or injury, you may be able to claim an insurance benefit.
Similarly, if you are a relative or executor of a member who has passed away, you should contact us when possible to advise us and we’ll help you through the insurance claims process.
Our aim is to help you on the path to a successful claim, while acknowledging the sometimes complex and time-consuming nature of the claims process. We’ll guide you through the paperwork you’ll need to submit and how to make sure it’s complete and delivered in a timely manner.
We are committed to our Claims Philosophy
It’s important that all claims are processed efficiently and in a timely manner, having regard to current best practice in this area, and it’s our responsibility to:
- act in the best interests of beneficiaries,
- exercise appropriate care, skill and diligence, and
- do everything that is reasonable to pursue an insurance claim for the benefit of a beneficiary, if the claim has a reasonable prospect of success.
Claiming a Death benefit
In the unfortunate event of your death while you’re a member of iQ Super, a lump sum Death Benefit will be paid to your beneficiaries, usually your dependants or your estate. The lump sum is normally equal to your account balance, plus, if you are eligible, an insured component.
You should nominate who you want your benefit to be paid to in the event of your death by making either a binding or preferred nomination.
You should also read your Insurance, Fees and Costs Guide (available on your online account) for specific details about how your Death Benefit is calculated and whether you qualify for an insured amount.
Claiming a Total and Permanent Disablement benefit
If you become totally and permanently disabled while you’re a member of iQ Super, you’ll receive a lump sum benefit. The amount of your benefit and how long you need to wait before making a claim depends on whether or not you have an insured component.
Every claim is different, but the assessment process can typically take several months, depending on the number and type of medical exams needed. Where the illness is terminal, the assessment process is much shorter.
INCOME PROTECTION CLAIM
Claiming an Income Protection benefit
Should you become totally and temporarily disabled, while you’re a member of iQ Super, you may be eligible for an Income Protection Benefit.
This benefit usually provides a payment of 75% of your salary while you’re unable to work, for up to two years. Your Insurance, Fees and Costs Guide (available on your online account) has full details of the benefits that may apply to you.
If you’re eligible and want to make a claim, you'll need to serve out a waiting period (usually 90 days), and before this period ends, call us on 1800 555 667 so we can send you the forms you need to complete.
Once we receive your documents, we’ll forward them, along with any other required paperwork, to the insurer to process your claim.
Forms and fact sheets
More fact sheets
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